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	Comments on: The Value of the Latte Factor: It&#8217;s Not What You Think	</title>
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	<link>https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/</link>
	<description>Earn, Save, and Live Joyfully.</description>
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		<title>
		By: One Frugal Girl		</title>
		<link>https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/comment-page-1/#comment-1095997</link>

		<dc:creator><![CDATA[One Frugal Girl]]></dc:creator>
		<pubDate>Sat, 26 Oct 2019 21:26:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.onefrugalgirl.com/?p=11144#comment-1095997</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/comment-page-1/#comment-1095967&quot;&gt;BC &#124; FrugalWheels&lt;/a&gt;.

Thank you for your comment BC. I think a lot of purchases become every day habits aren&#039;t even that enjoyable. Take your lunch as an example. You might have started eating out because it was convenient and tasty, but after awhile you might not even enjoy it as much as a meal you brought from home. As you pointed out the key is to &#039;spend consciously;&#039; to think carefully about how we are spending our money rather than simply going through the motions of pulling out our wallets without thinking about it.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/comment-page-1/#comment-1095967">BC | FrugalWheels</a>.</p>
<p>Thank you for your comment BC. I think a lot of purchases become every day habits aren&#8217;t even that enjoyable. Take your lunch as an example. You might have started eating out because it was convenient and tasty, but after awhile you might not even enjoy it as much as a meal you brought from home. As you pointed out the key is to &#8216;spend consciously;&#8217; to think carefully about how we are spending our money rather than simply going through the motions of pulling out our wallets without thinking about it.</p>
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		<title>
		By: BC &#124; FrugalWheels		</title>
		<link>https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/comment-page-1/#comment-1095967</link>

		<dc:creator><![CDATA[BC &#124; FrugalWheels]]></dc:creator>
		<pubDate>Sat, 26 Oct 2019 15:42:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.onefrugalgirl.com/?p=11144#comment-1095967</guid>

					<description><![CDATA[I wrote a similar post earlier this year - people focus on the lattes, but it’s just an example. We all have it at least had numerous “lattes” in our lives - the little luxuries we take for granted and haven’t questioned. And taken as a whole, they do add up. One of the biggest for me was lunch - I was eating out for lunch every day after I took a higher paying job and changing to making my lunches at home made a huge impact on my finances. For me it’s not about cutting to the bare bones but, as you out it in your post as well, making choices about spending consciously.]]></description>
			<content:encoded><![CDATA[<p>I wrote a similar post earlier this year &#8211; people focus on the lattes, but it’s just an example. We all have it at least had numerous “lattes” in our lives &#8211; the little luxuries we take for granted and haven’t questioned. And taken as a whole, they do add up. One of the biggest for me was lunch &#8211; I was eating out for lunch every day after I took a higher paying job and changing to making my lunches at home made a huge impact on my finances. For me it’s not about cutting to the bare bones but, as you out it in your post as well, making choices about spending consciously.</p>
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		<title>
		By: One Frugal Girl		</title>
		<link>https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/comment-page-1/#comment-1075995</link>

		<dc:creator><![CDATA[One Frugal Girl]]></dc:creator>
		<pubDate>Thu, 27 Jun 2019 22:30:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.onefrugalgirl.com/?p=11144#comment-1075995</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/comment-page-1/#comment-1075520&quot;&gt;GovWorker&lt;/a&gt;.

The point is to dream and to consider those dreams before making each small purchase. Each time we do this we are put in the drivers seat of our financial journey. Yes, it won&#039;t make you a millionaire, but it will make sure your goals and values align with the way you spend your money! Thanks for the comment.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/comment-page-1/#comment-1075520">GovWorker</a>.</p>
<p>The point is to dream and to consider those dreams before making each small purchase. Each time we do this we are put in the drivers seat of our financial journey. Yes, it won&#8217;t make you a millionaire, but it will make sure your goals and values align with the way you spend your money! Thanks for the comment.</p>
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		<title>
		By: One Frugal Girl		</title>
		<link>https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/comment-page-1/#comment-1075994</link>

		<dc:creator><![CDATA[One Frugal Girl]]></dc:creator>
		<pubDate>Thu, 27 Jun 2019 22:28:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.onefrugalgirl.com/?p=11144#comment-1075994</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/comment-page-1/#comment-1075273&quot;&gt;Angela @ Tread Lightly Retire Early&lt;/a&gt;.

I think one day we stop dreaming or at least we stop putting our dreams into action. I remember being a kid and dreaming of being and doing anything I wanted. Even things that defied the laws of gravity! As adults we go through the motions of life, but we ignore our dreams and then decide we don&#039;t have enough money or time to make them come true. In the mean time we wasted what time and resources we did have on stuff we don&#039;t need or care about. It&#039;s so frustrating! I think saving a little here and there shows us how to begin to control our financial journey. We all have to start somewhere!]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/comment-page-1/#comment-1075273">Angela @ Tread Lightly Retire Early</a>.</p>
<p>I think one day we stop dreaming or at least we stop putting our dreams into action. I remember being a kid and dreaming of being and doing anything I wanted. Even things that defied the laws of gravity! As adults we go through the motions of life, but we ignore our dreams and then decide we don&#8217;t have enough money or time to make them come true. In the mean time we wasted what time and resources we did have on stuff we don&#8217;t need or care about. It&#8217;s so frustrating! I think saving a little here and there shows us how to begin to control our financial journey. We all have to start somewhere!</p>
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		<title>
		By: GovWorker		</title>
		<link>https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/comment-page-1/#comment-1075520</link>

		<dc:creator><![CDATA[GovWorker]]></dc:creator>
		<pubDate>Wed, 26 Jun 2019 20:16:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.onefrugalgirl.com/?p=11144#comment-1075520</guid>

					<description><![CDATA[I agree! I think there’s value in the latte factor message even if it’s a flawed example. And while skipping coffee won’t affect whether you go bankrupt from a medical emergency it could make a difference between achieving your financial dreams and being stuck in a rut]]></description>
			<content:encoded><![CDATA[<p>I agree! I think there’s value in the latte factor message even if it’s a flawed example. And while skipping coffee won’t affect whether you go bankrupt from a medical emergency it could make a difference between achieving your financial dreams and being stuck in a rut</p>
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		<title>
		By: Angela @ Tread Lightly Retire Early		</title>
		<link>https://www.onefrugalgirl.com/the-value-of-the-latte-factor-its-not-what-you-think/comment-page-1/#comment-1075273</link>

		<dc:creator><![CDATA[Angela @ Tread Lightly Retire Early]]></dc:creator>
		<pubDate>Wed, 26 Jun 2019 04:00:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.onefrugalgirl.com/?p=11144#comment-1075273</guid>

					<description><![CDATA[Having goals for your money helps SO much with the mindful spending. Just to “save it” isn’t good enough for most of us.]]></description>
			<content:encoded><![CDATA[<p>Having goals for your money helps SO much with the mindful spending. Just to “save it” isn’t good enough for most of us.</p>
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